Is Convergent Outsourcing Suing You? 5 Things You Can Do Today

did you just get an unmarked letter from PO Box 1280 oaks pa 19456? who contacts you and why? it’s convergent outsourcing, and you’ll most likely be hounded for unpaid debt. as we know? while his bbb profile has the name alters001, if you scroll down, you’ll see both the converged outsourcing and P.O. box address.

Is your debt within the statute of limitations? how much would they garnish?

Something to consider is whether converged debt is coming after you for a debt that is within the statute of limitations and how wage garnishment works in your state. How much could Converge or another company get out of each paycheck?

why are you contacted from PO Box 1280 oaks pa?

one of the most revealing hypotheses, why you are contacted from the 1280 oaks pa post office box, perhaps from this court case saraci v. converged outsourcing where the plaintiff showed that there was an address for, “800 sw 39th st./po box 9004, renton, wa 98057” on the letter and the envelope said “po box 1280, oaks, pa 19456-1280”.

The plaintiff argued, “…that the inclusion of multiple addresses is misleading because the letter does not direct the consumer to the correct address for mailing disputes.”

are you being sued for converged outsourcing?

The letter probably isn’t a lawsuit, but that doesn’t mean convergent won’t sue you. every creditor is different and the likelihood that that creditor will sue differs, and you can estimate if convergent can sue you next.

Often, a debt collector will send you a letter stating that the original creditor turned the debt over to the collection agency to start paying off the debt.

Will I be sued for a $300 debt?

Some debt collectors sue for less than $1,000 of debt, but you may want to use this free Probability of Lawsuit Calculator to estimate your chances of lawsuit at convergence and your creditors. If you don’t know what converged debt you’re looking for, try entering $500 for the balance.

so what’s in the envelope?

if this is the first letter you have received from convergent at po box 1280 oaks pa, the first communication will most likely cover what debt account they will pay to the original creditor.

what is converged outsourcing?

convergent outsourcing is a debt collection agency. is a third party debt collection agency serving the following industries:

• telecommunications
• utilities
• banks
• cable companies
• financial service providers

Do you have any outstanding debt from any of these types of companies? if so, they may have been hired by the original creditor to collect that debt.

can I prevent convergent from calling me?

yes, absolutely.

convergent may have started with a letter sent to you in the mail and start calling you shortly after. If you want them not to call you, you can request it directly on their website.

Next, let’s look at: 1) How to respond to a debt collection lawsuit. 2) 5 things you can do today to help with this debt.

how to respond to a demand for convergent outsourcing

When you receive legal notice of your lawsuit, there are a few different ways you can respond, but your options change depending on your situation. Your answer may differ based on variables such as whether or not all of the debt is yours, how far behind you are on it, and whether or not you can pay the debt. the important thing is, however, that you respond in some way. Many times, debt collection agencies will file lawsuits hoping you won’t respond. That’s because if you don’t respond, the court can default on your case and the debt collection agency can go ahead with wage garnishments, liens on your property, and holds on your bank accounts. so regardless of how you plan to respond, just make sure you do. a timeline might look like this:

1. You receive a summons explaining the lawsuit filed against you.
2. Talk to a lawyer. Getting legal help and representation can make all the difference when you are facing a lawsuit.
3. You usually have 14-20 days to respond to the summons. we’ll cover the options for responding in a second. Regardless of how you decide to respond, be sure to do so within the deadline.
4. Once you respond, the court will review your response and, depending on your response, appropriate action will be taken.

Let’s look at some of your response options with converged outsourcing.

is it your debt?

If the debt is correctly attributed to you and you actually owe the debt, then the process will be slightly different. Because you owe the debt, you won’t necessarily be able to dismiss the lawsuit entirely without any form of payment, but there are a few things you can try.

your response

When you get sued for your delinquent debt, one of the most important things you do is respond. As mentioned above, not responding can result in a default judgment against you, which means they assume you’re admitting the debt, and the collection agency can start garnishing your wages, freezing your bank accounts, and putting liens on you. his property. in most cases, your response is expected within a period of time after notification is received. you’ll want to check the regulations in your area to find out exactly how long you have to respond.

There are three ways you can respond to the lawsuit:

1. admit – This answer simply admits that you owe the debt being collected. be careful selecting this as your answer. this may take away some of the defense you have if you hope to dispute or settle the claim. Also, make sure you are fully aware of the whole picture. If you know you have a debt, but aren’t entirely sure what the total amount is or which company the debt was awarded to, you may want to choose the last option on this list, which we’ll cover in just a second.
2. deny: If you are sure the debt is not yours, or is wrongly attributed to you, you can deny the debt. there will be more paperwork that you submit with your answer (referred to as your answer) in which you can explain why you are denying your debt. There are many reasons why you can deny your debt other than that it is not yours. These reasons include: a) a previously canceled contract b) an expired statute of limitations (usually six years in a debt collection case) c) you have already paid off the debt d) you are making consistent payments on the debt e) you signed without being informed of the rights and responsibilities of co-signing. If any of these apply to you, you can respond with a denial and an explanation of why you denied it.
3. Lack of knowledge: If you know you have some kind of debt, but you’re not sure if they’re suing for the right amount or whether or not you can pay off the debt, you can respond with “lack of knowledge.” All of this means that you need a more in-depth report on the lawsuit and the debt contained in the lawsuit before finalizing your answer. The answer you provide can and will be used in court, so it is important that you have as much information as possible before giving a final answer. Whether you need to better understand the full scope of what you owe, or are confused about who is suing you, responding with a lack of knowledge ensures you get the answers you need.

other options

You have other options to consider if you are sued for a debt you owe. these could help get rid of some of the debt, extend the amount of time the process takes, which could give you more time to pay off the debt, and could mean the lawsuit goes away altogether. Take a look at some of the options below:

• questioning the right of demand of the company: convergent subcontracting is in the business of buying debt and then collecting it. If the debt has changed hands multiple times, there are cases where the company may no longer be in possession of the debt and therefore unable to collect from you. The agency must provide proof that you signed a credit agreement and proof that they are the rightful owners of your debt (a chain of custody showing that the debt did in fact come from the original creditor). a judge will almost always support your request for this proof. if the agency cannot provide this proof, the judge will likely dismiss the case.
• lean on the burden of proof: the plaintiff, or the person suing you, is responsible for proving that you do in fact you owe the debt and have not yet paid it. Requesting detailed documentation of the amount you owe is a viable option when sued. when debt changes hands so often, documentation can get lost in the process. If the agency cannot show you an itemized list of everything they are suing you for, along with proof, the case may be dismissed or lead to a settlement at much lower cost.
• Consider the statute of limitations: There is a statute of limitations that collection agencies must adhere to. Generally, this limitation is 4-6 years after the last day you actively paid into the account. If it has been more than 4-6 years since you last paid off your debt, check the statute of limitations to see if you can dismiss the case for expiring. You may also want to consider this before you make the smallest debt payment. If you are only a few months away from the statute of limitations, collection agencies can pressure you into making even a small payment, which will reset your time delinquent. If you are at this point, talk to legal counsel before making any payments.
• File a Counterclaim: Has the debt collection agency been bothering you for hours on end at unreasonable hours of the night? ? Have they been sitting on your doorstep, demanding payments and harassing your family? You have a legal basis to file a counterclaim. Be sure to document the collection agency’s malpractice, and then you can put together your own claim, preferably with the help of legal counsel. This could either cause the agency to drop the lawsuit or, depending on how much you owe and how egregious the agency is, you could end up on top and get paid for your harassment.
• File for bankruptcy: If you are desperate, have no way to get your case dismissed, but have no way to pay off the debt, you may want to consider filing for bankruptcy. When you file for bankruptcy, all cases and collections against you are stopped until the bankruptcy hearing is dismissed or cancelled. Bankruptcy has big and long-lasting ramifications, but it could help you get back on your feet financially, giving you the ability to rebuild from the ground up.

isn’t it your debt? understand how to dispute your debt

If you’ve been served papers outlining the debt you’re supposed to owe, but you’ve never paid the debt they’re suing for, you’ll want to respond quickly.

There are many reasons you may have a debt in your name that you shouldn’t. If someone fraudulently opened an account in your name, the debt was incorrectly attributed to you, or you paid the debt but the payment did not go to the account, these are all reasons why you may have a debt claim that wrongfully demands the payment from you. when this happens, you will have to help prove that the debt is not yours.

beware of scams

Before starting this process, please try to verify that the claim is legit and now a scam. Some scammers send out ads claiming to be debt collection agencies and threatening to file a lawsuit if you don’t make a payment within a certain period of time. A legitimate business should have complete contact information, be able to give you the correct origin and amount of the debt, and be able to tell you the history of the debt (i.e. which company originally had the debt, when it was sold to the company, and how much interest the debt has accumulated over time if you’re sure you don’t have any debt anywhere, but you received a letter threatening a lawsuit, make sure the letter is legitimate with a little deeper investigation if it is real, continue with the next steps.

dispute the claim

Although, in theory, the burden of proof is on the agency suing you, you will want to play an active role in proving that the debt is not yours. Also, keep in mind that creditors will often sell your debt so they are no longer responsible for collecting it. Just because you have debt collection notices from a company you don’t recognize doesn’t mean you don’t owe that debt. Make sure you understand who owns your debt before you decide to ignore collection notices.

If you really have no connection to the debt being collected, you’ll want to dispute the debt. Disputing the debt requires the agency to produce documentation showing that you are the person who owes the debt. while this is happening, collection efforts should cease until documentation is produced. you can send the dispute by physical mail, but make sure it is sent through a certified mail carrier (not just hand delivered) so that the postage is time and date stamped, which may later be needed to help prove that answered at the right time box. If the company cannot find proof that the debt is yours, or if it has proof that it is not yours, the claim will be dismissed.

here is a link to a sample letter you can use to start disputing the debt.

check your credit report

You’ll also want to check your credit report. If the debt is listed on your credit report, you will also need to dispute it with the credit bureau. again, this is under the assumption that it is not actually connected to debt. If this is true, file a dispute with all three credit bureaus to make sure the bad debt is completely removed from your account. Keep in mind that just because a debt doesn’t appear on your credit report doesn’t mean you don’t owe it. Credit reports will only show your debt if they report delinquency, which some may not do until after seeking full repayment. it is still an important step to verify that the debt does not belong to you.

Here is information about the three credit reporting agencies you can use to compile your credit report:

• equifax
• 800-685-1111
• p.o. box 740241, atlanta, ga 30374-0241

1. experian
2. 888-397-3742
3. p.o. box 2104, allen, tx 75013-0949

• transunion
• 800-916-8800
• p.o. box 1000, chester, pa 19022

5 Things You Can Do Today When Converged Outsourcing Pursues You

Let’s look at your options if converged outsourcing is your thing.

1. understand how debt collection agencies like converged outsourcing

Debt collection agencies have made a business of collecting debts for lenders and creditors. they typically buy agency debt in a variety of ways and then start collecting on it. there are several ways they make money doing this. They can buy the debt at a reduced cost, so any payment they get on that debt can go directly to them, or they can make an agreement with a creditor that they will handle collection efforts as long as they get a percentage of the debt. debt being paid. Regardless of how they decide to go about it, debt collection agencies are ruthless and do everything they can to earn as much as they can. here is their process:

1. Buy debt or work for the original creditor: As explained above, debt collection agencies are generally not the ones that lend money. its sole purpose is to collect debt payments. there are two main ways they do this. First, they buy debt. Many creditors and lenders do not collect their own funds. they can put in a solid effort for a couple of months, but after that, they can sell their debt. debt is usually sold at a discount. the collection agency then owns the debt and gets to keep whatever it collects. the other option is to work with the creditor. a creditor may team up with a collector and promise the collector a percentage of the payment of the collected debt as compensation receivable.
2. start going after the debtor: once the collection agency owns the debt or promised a percentage of the debt collected, they will begin to persecute the debtor. There are a number of ways this can occur, but typical tactics seen are daily phone calls, letters, and other forms of communication. All debt collection agencies are supposed to operate within the limits outlined in the Fair Debt Collection Practices Act. if they are not, be sure to document it.
3. They may file a lawsuit if no progress is made: If the agency has been contacting you for a while (sometimes it’s just 30 days, sometimes it’s months), they may decide to file a lawsuit against you. this is usually done to force you to answer so they can go ahead with a payment plan or sue you for the entire debt.

2. learn what converged outsourcing can and cannot do under fcra

As mentioned above, it is critical that you know what debt collection agencies can and cannot do as they seek you out for debt settlement. For example, if convergent outsourcing is in possession of your debt and they are trying to contact you, there are certain standards that they must circumvent. they cannot contact you at unreasonable hours, before 8 a.m. m. and after 9 p.m. m.

They cannot threaten you, lie to you or try to hide who they are when they speak to you. if you ask them not to call you while you are at work, they can no longer try to contact you while you are at work. they also may not send notices of your debt delinquency to third parties, or attempt to obtain information from third parties more than once.

In short, the FCRA was created to help protect you from unfair and harmful debt collection practices. Make sure you know your rights and don’t be afraid to point out and document when a collection agent is acting outside of those rights.

3. learn about debt validation

Within five days of your initial contact, any debt collection agency is supposed to send you a debt validation letter showing how much debt you owe, who you owe it to (the creditor), and you also owe have information on how you can dispute the debt. After receiving this letter, you have 30 days to dispute the debt. If, for any reason, you believe the debt being collected is inaccurate, be sure to file a dispute as soon as possible. once you file a dispute, all collection efforts are supposed to stop until the dispute is resolved.

One of two things will happen at this point. One is to provide the documentation they need to show that you owe the debt and that the amount listed is correct. at this time, collection efforts will continue. instead, the second option is that they will not be able to credit your debt and what is owed, at which point they will stop persecuting you. Here is a link to a model debt validation letter. feel free to use this to help you draft your own letter.

4. understand the statute of limitations in your state

If you’re being sued for old debts, be sure to check the statute of limitations for your area. In most places, collection agencies cannot take legal action against you for debts you owe after a certain period of time. this changes from state to state, but it’s important to keep track. The period of time that is analyzed for the statute of limitations is from the day that you stopped being active in your payments (that is, the day after the last payment that you made of the debt), until the day that the legal action. There are four different categories of debt, and each may have a different statute of limitation. the four categories are oral agreements, written contracts, promissory notes, and open accounts. Depending on the type of debt you have, the statute of limitations may be longer or shorter. If you are being sued for debt payment, be sure to consider how close you are to the end of your statute of limitation before making a payment. You can also work with an attorney to see if they can provide you with any legal advice.

You can use the statute of limitations calculator below to understand the ones in your state.

5. learn how to stop converged outsourcing of calls, texts, phones, letters, and emails

Living with a constant barrage of calls, texts, emails, letters and more can be overwhelming, especially when it all adds up to your pile of debt. If you are being harassed beyond what is allowed under the FCRA, filing a lawsuit against the collection agency will stop any contact until the lawsuit is complete.

Be sure to keep a record of every encounter you have with a debt collector to help solidify your case if you think they may be harassing you. Similarly, you can dispute the debt, at which point the agency will have to pause collection efforts until the debt is validated.

You have the option of telling the collection agency that you cannot pay them. This may not stop them from calling, but if they think you can’t pay, there may be less frequency in their attempts to reach you. Make sure you speak in a way that doesn’t support the debt, as this can be used against you if they decide to sue you.

Simply indicate that you cannot pay the amount requested. tell them about any financial hardship that prevents you from paying. At a minimum, this can cause the collection agency to focus on other consumers for the time being before coming back to you.

You can demand that the collection agency stop contacting you, but even if they stop contacting you, it does not mean that they will no longer try to collect. the agency can still file a lawsuit against you, at which point the court will call you, not the collection agency.

conclusion

Dealing with large amounts of debt can be scary and intimidating, especially when national agencies start calling, texting, emailing and writing you demanding payment and threatening legal action. If you find yourself in this situation, don’t panic. There are laws in place that were created to protect you.

Make sure you fully understand these laws and don’t let debt collection agencies intimidate you into thinking you’re out of options. Ask for help, do your research, and if it comes to a lawsuit, make sure you have legal representation to help you navigate the complicated world of debt collection. If you have any questions or would like more information about your debt relief options, please don’t hesitate to reach out. We look forward to hearing from you, and hope this helps.

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